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Park State Bank & Trust

$100M-$1B Specialty: Commercial CO FDIC cert 19381

Woodland Park, CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits +8.0% year over year ($145.7M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.05%.
  • Efficiency ratio 78.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.64% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

Park State Bank & Trust has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 4.4% in tier
  • + Net Interest Margin 0.67% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.5% in tier
  • - Margin Compression: Bottom 15.0% in tier
  • - Credit Risk Growth: Bottom 15.5% in tier
  • - Efficiency Ratio 14.47% above tier average
Get updates when Park State Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $162.3M
+8.1% YoY +2.2% QoQ
-$224.3M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $110.2M
+5.2% YoY +2.9% QoQ
-$148.2M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $145.7M
+8.0% YoY +2.3% QoQ
-$181.1M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 1.05%
-30.9% YoY -3.5% QoQ
-0.27% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 4.66%
-6.1% YoY +2.7% QoQ
+0.67% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 78.95%
+8.3% YoY +2.9% QoQ
+14.47% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
Bottom 14.8% in tier
Delinquency Rate ? 0.05%
+470.6% YoY -78.7% QoQ
-0.87% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 75.64%
-2.6% YoY +0.6% QoQ
-2.31% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 15.29%
-1.7% YoY +6.2% QoQ
-6.75% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.71%
-3.0% YoY -16.2% QoQ
+0.04% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 18.96%
+1.1% YoY -2.1% QoQ
+3.06% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.41%
-7.3% YoY +90.6% QoQ
-0.15% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
Top 13.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 15.3%
-0.3pp YoY
+0.9pp QoQ
 -6.9pp 22.1% 23.5% 22.2% 25%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 2.7%
-0.8pp YoY
0.0pp QoQ
 -8.9pp 11.6% 8.4% 12.5% 9%
CRE 40.3%
-2.6pp YoY
-3.9pp QoQ
 +0.8pp 39.5% 42.8% 41.4% 54%
1-4 Family 56.2%
+2.9pp YoY
+3.9pp QoQ
 +23.6pp 32.6% 33.0% 31.3% 87%
Consumer 2.0%
+0.8pp YoY
-0.1pp QoQ
 -2.1pp 4.1% 3.9% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 19.0%
+0.2pp YoY
-0.4pp QoQ
 +0.1pp 18.8% 24.9% 19.7% 74%
Leverage Ratio 11.3%
-0.5pp YoY
+0.2pp QoQ
 -0.9pp 12.2% 12.5% 12.6% 55%
Total Capital Ratio 20.2%
+0.3pp YoY
-0.4pp QoQ
 +0.3pp 19.9% 26.1% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 34
+1 (+3.0%) YoY
+3 (+9.7%) QoQ
 -25 58 107 482 33%
Assets per Employee ($) $4.8M
+4.9% YoY
-6.8% QoQ
 -$2.7M $7.5M $7.8M $8.8M 11%
Branch Count 1
0 YoY
0 QoQ
 -4 4 7 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 12%
Allowance Coverage 23.96x
-79.9% YoY
+355.6% QoQ
 -0.19x 24.15x 12.16x 20.23x 90%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 10.4%
-4.7pp YoY
-0.4pp QoQ
 -1.8pp 12.2% 9.7% 11.6% 40%
Cost of Funds (YTD) 1.5%
+0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 35%
Net Income ($, YTD) $845,000
-22.8% YoY
— QoQ
 -$1.7M $2.6M $5.4M $40.4M 21%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#30 of 659 • Top 4.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (3)

Credit Quality Pressure

risk
#108 of 1256 • Bottom 8.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Margin Compression

decline
#47 of 307 • Bottom 15.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.05%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Credit Risk Growth

risk
#146 of 936 • Bottom 15.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

367
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#367 of 2643 Top 13.8% in $100M-$1B
417
Net Interest Margin
profitability
Value: 4.66%
Peer Median: 3.99%
#417 of 2643 Top 15.7% in $100M-$1B
429
Tier 1 Capital Ratio
capital
Value: 18.96%
Peer Median: 15.91%
#429 of 2643 Top 16.2% in $100M-$1B
544
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#544 of 2633 Top 20.6% in $100M-$1B

Top Weaknesses (4 metrics)

2254
Efficiency Ratio
profitability
Value: 78.95%
Peer Median: 64.48%
#2254 of 2643 Bottom 14.8% in $100M-$1B
2181
Total Assets
size
Value: $162.25M
Peer Median: $386.57M
#2181 of 2643 Bottom 17.5% in $100M-$1B
2110
Total Deposits
size
Value: $145.67M
Peer Median: $326.73M
#2110 of 2643 Bottom 20.2% in $100M-$1B
2055
Total Loans
size
Value: $110.19M
Peer Median: $258.35M
#2055 of 2643 Bottom 22.3% in $100M-$1B
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